Bypass 5/24 With Targeted Offer In United App


A month ago we updated our post about Chase credit card signup offers that bypassed 5/24 (See: New offers bypassing 5/24 (approval NOT guaranteed) as even more people became targeted for them.

I was one of the lucky ones who saw offers for United, Southwest and Marriott credit cards. I wasn’t really in the market for any of them, but I wasn’t going to pass up the opportunity to bypass 5/24 and so applied for the United Explorer card and was approved.

It turns out there’s an alternative opportunity for some MileagePlus members to get hold of the United Explorer credit card even if you’re over 5/24, but it’s not something that appears when logging in to your Chase account.

United MileagePlus Explorer card

Instead, it’s an offer that’s showing up for some in the United app. My understanding is that it’s a banner ad at the top of the home page that says you’re pre-approved prequalified, so if you see a Star Wars ad or an image of a destination, I think it means you’re not targeted.

United app home page

As you can see in the image above, my app did display a small business card offer, but there was no pre-approved prequalified wording. Tapping on the offer didn’t show any pre-approved prequalified wording…

United app business card

…while tapping on ‘Learn More’ and then ‘Pricing and Terms’ displayed an APR range. It seems like offers that bypass 5/24 display a specific APR rather than a range like 17.49% to 24.49% as shown below.

United app business card APR range

When logging in to my wife’s account in the app, she didn’t have a banner specifically listing a pre-approved prequalified offer either. She did have a small banner for the United Explorer card though, so I was curious if this would turn out to have the set APR in the pricing.

United app home page 2

When tapping through to the pricing, her offer displayed an APR range too, so it doesn’t look like her offer would’ve bypassed 5/24 either. That’s a bit of a moot point though as she is actually under 5/24, so I don’t know if hers is a reliable data point.

United app personal card APR range

Reader Josh reached out to us though to let us know that he’d successfully applied for a United Explorer card despite being over 5/24. He saw the pre-approved prequalified offer in the United app and had a specific APR of around 18% listed.

His application wasn’t immediately approved. Instead, he received a message stating “Thanks for your application – we will get back to you within 7-10 business days.” After hearing nothing for several weeks, the Explorer card appeared when logging in to his Chase account and he received the card a few days later. He’s since met the minimum spend requirement and received the signup bonus, so even if you’re not approved immediately, there’s still hope.

If you’re interested in getting a United Explorer card and are over 5/24, it’s therefore worth downloading the United app to see if you’ve been targeted for this offer. Good luck!

Update: Josh has provided a screenshot of what the offer looks like. The banner actually says ‘You’re Prequalified’ rather than ‘You’re Pre-approved’.

Pre-qualified United app

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Andrea Kalli

Hubby got the pre-qualified offer. I got the pre-approved offer. We’re both way over 5/24 so did the application for the hubby and he was instantly approved. Thanks for the heads up about this!


Awesome I got the Dam Card !! Chase turned me Down 4x then this .OOP’s need to spend $20K in 30 days and I GOT 4 cards in 4 months too . Used ur link FM ($$$) and who says the “Good Old Days ” are Gone ?? I was Tinking they would ” Shut Me Down “..
Merry Xmas

[…] Hat tip to: FM/DOC […]

[…] 2019.12 Update: There is a brand new place to test prequalified supply: in the United Airlines APP! See beneath for particulars. HT: FM. […]


I applied I’ll take the 65k (just 40k no fee) But we will get back to u .No united card in 4 years and no points Left so Shut down I’ll live with Citi and Amex it will work .

Al Y

Saw your post last night. got in the app, and there’s the ad. Clicked through P&T, saw the fixed APR. Not convenient to apply via a phone, so login’ed to UA account via desktop. Same ad. Applied, got “We have received your application, blah, blah”. Thought I need wait a week to hear back. This morning, received an email from United, “We’ve deposited into your MileagePlus account the two United ClubSM one-time passes you receive as a new UnitedSM Explorer Cardmember.” What!? really? login’ed to my Chase account. Sure enough, the card is already there! less than 24 hours. lol. I am 9/24 with 3/24 on biz. Thanks Stephen! Never understood why the fixed APR enables the bypass of 5/24.


Good 4 u I got my BMO like that online 48 hrs ,card in 14 days the p lounge card 17 days..

Derek W

Seems that I have the pre-qualified offer but when I click into Pricing & Terms it is showing me the APR 17.99% to 24.99% based on credit worthiness. This doesn’t seems fixed so thinking this won’t bypass?


No, need to be fixed APR based on the DPs.